Experian Bureau with pdf
Introduction:
The Experian Bureau Report API enables patrons to retrieve credit information from Experian for a given individual using specified parameters such as phone number, PAN (Permanent Account Number), first name, and last name. This API is tailored to deliver comprehensive credit reports from Experian, facilitating the assessment of an individual's creditworthiness.
Key Features
- Credit Information Retrieval: Patrons can access detailed credit reports from Experian using parameters like phone number, PAN, first name, and last name.
Benefits
- Assessment of Creditworthiness: The API assists in evaluating an individual's creditworthiness by providing detailed credit reports from Experian.
Conclusion
In summary, the Experian Bureau Report API offers a convenient solution for fetching credit information from Experian, aiding in the assessment of individuals' creditworthiness.
Sample Curl:
curl --location 'https://api.signzy.app/api/v3/bureau/experian-bureau-report' \
--header 'Content-Type: application/json' \
--header 'Authorization: <Auth Token>' \
--data '{
"phoneNumber": 1234567890,
"pan": "ABCDE4289A",
"firstName": "John",
"lastName": "Doe",
"dateOfBirth": "2024-04-01",
"pincode": 560026,
"consent": {
"consentFlag": true,
"consentTimestamp": 1707685055,
"consentIpAddress": "*******",
"consentMessageId": "CM_1"
}
}'Request Headers
Key | Value |
|---|---|
Authorization | shared by Signzy |
Content-type | application/json |
Request Body
{
"phoneNumber": 1234567890,
"pan": "ABCDE4289A",
"firstName": "John",
"lastName": "Doe",
"dateOfBirth": "2024-04-01",
"pincode": 560026,
"consent": {
"consentFlag": true,
"consentTimestamp": 1707685055,
"consentIpAddress": "127.0.0.1",
"consentMessageId": "CM_1"
}
}Input Parameters
Parameter | Type | Mandatory/Optional | Description |
|---|---|---|---|
phoneNumber | Number | Mandatory | The phone number of the individual for whom the Experian report is requested. |
pan | String | Mandatory | The PAN (Permanent Account Number) of the individual. |
firstName | String | Mandatory | The first name of the individual. |
lastName | String | Mandatory | The last name of the individual. |
dateOfBirth | Number | Mandatory | Date of Birth of the user. Format: yyyy-mm-dd |
pincode | Number | Mandatory | Pincode of the user. |
consent | Object | Mandatory | Consent object by the user. |
consent[consentFlag] | Boolean | Mandatory | A boolean flag representing if consent is present or not. |
consent[consentTimestamp] | Number | Mandatory | Timestamp of the consent in seconds or milliseconds. |
consent[consentIpAddress] | String | Mandatory | Ip address of the user's device giving the consent. |
consent[consentMessageId] | String | Mandatory | "CM_1" : 'I hereby consent that I am sharing my consent to signzy to collect my bureau report' |
Response Body
{
"statusCode": 200,
"message": "SUCCESS",
"data": {
"jsonExperianReport": {
"Header": {
"SystemCode": 0,
"MessageText": "",
"ReportDate": 20240910,
"ReportTime": 190938
},
"UserMessage": {
"UserMessageText": "Normal Response"
},
"CreditProfileHeader": {
"ReportDate": 20240910,
"ReportTime": 190938,
"Version": "V2.4",
"ReportNumber": 1725975578209
},
"Current_Application": {
"Current_Application_Details": {
"Enquiry_Reason": 99,
"Finance_Purpose": 99,
"Amount_Financed": 0,
"Duration_Of_Agreement": 0,
"Current_Applicant_Details": {
"Last_Name": "DEV",
"First_Name": "PRIYAMA",
"Middle_Name1": "",
"Middle_Name2": "",
"Middle_Name3": "",
"Gender_Code": 2,
"IncomeTaxPan": "EDGPD4009B",
"Date_Of_Birth_Applicant": 19921111,
"Telephone_Number_Applicant_1st": "",
"Telephone_Extension": "",
"Telephone_Type": "",
"MobilePhoneNumber": 9295390873,
"EMailId": "",
"genderCodeDescription": "Female"
},
"Current_Other_Details": {
"Income": 0,
"Marital_Status": "",
"Employment_Status": "",
"Time_with_Employer": "",
"Number_of_Major_Credit_Card_Held": ""
},
"Current_Applicant_Address_Details": {
"FlatNoPlotNoHouseNo": "CHINAR3 CHS",
"BldgNoSocietyName": "",
"RoadNoNameAreaLocality": "",
"City": "Mumbai",
"Landmark": "",
"State": 27,
"PINCode": 400003,
"Country_Code": "IB",
"stateDescription": "MAHARASHTRA"
},
"Current_Applicant_Additional_AddressDetails": "",
"enquiryReasonDescription": "Others",
"financePurposeDescription": "Others"
}
},
"CAIS_Account": {
"CAIS_Summary": {
"Credit_Account": {
"CreditAccountTotal": 3,
"CreditAccountActive": 3,
"CreditAccountDefault": 0,
"CreditAccountClosed": 0,
"CADSuitFiledCurrentBalance": 0
},
"Total_Outstanding_Balance": {
"Outstanding_Balance_Secured": 3000000,
"Outstanding_Balance_Secured_Percentage": 100,
"Outstanding_Balance_UnSecured": 0,
"Outstanding_Balance_UnSecured_Percentage": 0,
"Outstanding_Balance_All": 3000000
}
},
"CAIS_Account_DETAILS": [
{
"Identification_Number": "OTHXXXXXXXX",
"Subscriber_Name": "XXXXXXXXXX",
"Account_Number": "XXXXXX0S61",
"Portfolio_Type": "M",
"Account_Type": 2,
"Open_Date": 20220615,
"Credit_Limit_Amount": "",
"Highest_Credit_or_Original_Loan_Amount": 1500000,
"Terms_Duration": "",
"Terms_Frequency": "",
"Scheduled_Monthly_Payment_Amount": "",
"Account_Status": 93,
"Payment_Rating": 3,
"Payment_History_Profile": "3???????????????????????????????????",
"Special_Comment": "",
"Current_Balance": 1000000,
"Amount_Past_Due": 4500000,
"Original_Charge_Off_Amount": "",
"Date_Reported": 20230510,
"Date_of_First_Delinquency": "",
"Date_Closed": "",
"Date_of_Last_Payment": "",
"SuitFiledWillfulDefaultWrittenOffStatus": "",
"SuitFiled_WillfulDefault": 1,
"Written_off_Settled_Status": "",
"Value_of_Credits_Last_Month": "",
"Occupation_Code": "",
"Settlement_Amount": "",
"Value_of_Collateral": "",
"Type_of_Collateral": "",
"Written_Off_Amt_Total": "",
"Written_Off_Amt_Principal": "",
"Rate_of_Interest": "",
"Repayment_Tenure": 0,
"Promotional_Rate_Flag": "",
"Income": "",
"Income_Indicator": "",
"Income_Frequency_Indicator": "",
"DefaultStatusDate": "",
"LitigationStatusDate": "",
"WriteOffStatusDate": "",
"DateOfAddition": 20230410,
"CurrencyCode": "INR",
"Subscriber_comments": "",
"Consumer_comments": "",
"AccountHoldertypeCode": 1,
"CAIS_Account_History": [
{
"Year": 2023,
"Month": 5,
"Days_Past_Due": 90,
"Asset_Classification": "S",
"assetClassificationDescription": "Asset Classification is Standard"
},
{
"Year": 2023,
"Month": 4,
"Days_Past_Due": 90,
"Asset_Classification": "S",
"assetClassificationDescription": "Asset Classification is Standard"
}
],
"CAIS_Holder_Details": [
{
"Surname_Non_Normalized": "PRIYAMA",
"First_Name_Non_Normalized": "DEV",
"Middle_Name_1_Non_Normalized": "",
"Middle_Name_2_Non_Normalized": "",
"Middle_Name_3_Non_Normalized": "",
"Alias": "",
"Gender_Code": 2,
"Date_of_birth": 19921111,
"genderCodeDescription": "Female"
}
],
"CAIS_Holder_Address_Details": [
{
"First_Line_Of_Address_non_normalized": "CHINAR3 CHS",
"Second_Line_Of_Address_non_normalized": "SV RAOD 3",
"Third_Line_Of_Address_non_normalized": "",
"City_non_normalized": "",
"Fifth_Line_Of_Address_non_normalized": "",
"State_non_normalized": 27,
"ZIP_Postal_Code_non_normalized": 400003,
"CountryCode_non_normalized": "IB",
"Address_indicator_non_normalized": 4,
"Residence_code_non_normalized": ""
}
],
"CAIS_Holder_Phone_Details": [
{
"Telephone_Number": 9295390873,
"Telephone_Type": "",
"Telephone_Extension": "",
"Mobile_Telephone_Number": "",
"FaxNumber": "",
"EMailId": ""
}
],
"CAIS_Holder_ID_Details": [
{}
],
"portfolioTypeDescription": "Mortgage Loan",
"accountTypeDescription": "HOUSING LOAN",
"accountStatusDescription": "Suit Filed(Wilful default)",
"suitfiledWillfuldefaultDescription": "Suit Filed",
"accountholdertypecodeDescription": "Individual"
},
{
"Identification_Number": "OTHXXXXXXXX",
"Subscriber_Name": "XXXXXXXXXX",
"Account_Number": "XXXXXX1S62",
"Portfolio_Type": "M",
"Account_Type": 2,
"Open_Date": 20220615,
"Credit_Limit_Amount": "",
"Highest_Credit_or_Original_Loan_Amount": 1500000,
"Terms_Duration": "",
"Terms_Frequency": "",
"Scheduled_Monthly_Payment_Amount": "",
"Account_Status": 93,
"Payment_Rating": 3,
"Payment_History_Profile": "?3??????????????????????????????????",
"Special_Comment": "",
"Current_Balance": 1000000,
"Amount_Past_Due": 4500000,
"Original_Charge_Off_Amount": "",
"Date_Reported": 20230710,
"Date_of_First_Delinquency": "",
"Date_Closed": "",
"Date_of_Last_Payment": "",
"SuitFiledWillfulDefaultWrittenOffStatus": "",
"SuitFiled_WillfulDefault": 1,
"Written_off_Settled_Status": "",
"Value_of_Credits_Last_Month": "",
"Occupation_Code": "",
"Settlement_Amount": "",
"Value_of_Collateral": "",
"Type_of_Collateral": "",
"Written_Off_Amt_Total": "",
"Written_Off_Amt_Principal": "",
"Rate_of_Interest": "",
"Repayment_Tenure": 0,
"Promotional_Rate_Flag": "",
"Income": "",
"Income_Indicator": "",
"Income_Frequency_Indicator": "",
"DefaultStatusDate": "",
"LitigationStatusDate": "",
"WriteOffStatusDate": "",
"DateOfAddition": 20230510,
"CurrencyCode": "INR",
"Subscriber_comments": "",
"Consumer_comments": "",
"AccountHoldertypeCode": 1,
"CAIS_Account_History": [
{
"Year": 2023,
"Month": 7,
"Days_Past_Due": 90,
"Asset_Classification": "S",
"assetClassificationDescription": "Asset Classification is Standard"
},
{
"Year": 2023,
"Month": 5,
"Days_Past_Due": 90,
"Asset_Classification": "S",
"assetClassificationDescription": "Asset Classification is Standard"
}
],
"CAIS_Holder_Details": [
{
"Surname_Non_Normalized": "PRIYAMA",
"First_Name_Non_Normalized": "DEV",
"Middle_Name_1_Non_Normalized": "",
"Middle_Name_2_Non_Normalized": "",
"Middle_Name_3_Non_Normalized": "",
"Alias": "",
"Gender_Code": 2,
"Income_TAX_PAN": "EDGPD4009B",
"Date_of_birth": 19921111,
"genderCodeDescription": "Female"
}
],
"CAIS_Holder_Address_Details": [
{
"First_Line_Of_Address_non_normalized": "CHINAR3 CHS",
"Second_Line_Of_Address_non_normalized": "SV RAOD 3",
"Third_Line_Of_Address_non_normalized": "",
"City_non_normalized": "",
"Fifth_Line_Of_Address_non_normalized": "",
"State_non_normalized": 27,
"ZIP_Postal_Code_non_normalized": 400003,
"CountryCode_non_normalized": "IB",
"Address_indicator_non_normalized": 4,
"Residence_code_non_normalized": ""
}
],
"CAIS_Holder_Phone_Details": [
{
"Telephone_Number": 9295390873,
"Telephone_Type": "",
"Telephone_Extension": "",
"Mobile_Telephone_Number": "",
"FaxNumber": "",
"EMailId": ""
}
],
"CAIS_Holder_ID_Details": [
{
"Income_TAX_PAN": "EDGPD4009B",
"EMailId": ""
}
],
"portfolioTypeDescription": "Mortgage Loan",
"accountTypeDescription": "HOUSING LOAN",
"accountStatusDescription": "Suit Filed(Wilful default)",
"suitfiledWillfuldefaultDescription": "Suit Filed",
"accountholdertypecodeDescription": "Individual"
},
{
"Identification_Number": "OTHXXXXXXXX",
"Subscriber_Name": "XXXXXXXXXX",
"Account_Number": "XXXXXX1S61",
"Portfolio_Type": "M",
"Account_Type": 2,
"Open_Date": 20220615,
"Credit_Limit_Amount": "",
"Highest_Credit_or_Original_Loan_Amount": 1500000,
"Terms_Duration": "",
"Terms_Frequency": "",
"Scheduled_Monthly_Payment_Amount": "",
"Account_Status": 93,
"Payment_Rating": 3,
"Payment_History_Profile": "?3??????????????????????????????????",
"Special_Comment": "",
"Current_Balance": 1000000,
"Amount_Past_Due": 4500000,
"Original_Charge_Off_Amount": "",
"Date_Reported": 20230710,
"Date_of_First_Delinquency": "",
"Date_Closed": "",
"Date_of_Last_Payment": "",
"SuitFiledWillfulDefaultWrittenOffStatus": "",
"SuitFiled_WillfulDefault": 1,
"Written_off_Settled_Status": "",
"Value_of_Credits_Last_Month": "",
"Occupation_Code": "",
"Settlement_Amount": "",
"Value_of_Collateral": "",
"Type_of_Collateral": "",
"Written_Off_Amt_Total": "",
"Written_Off_Amt_Principal": "",
"Rate_of_Interest": "",
"Repayment_Tenure": 0,
"Promotional_Rate_Flag": "",
"Income": "",
"Income_Indicator": "",
"Income_Frequency_Indicator": "",
"DefaultStatusDate": "",
"LitigationStatusDate": "",
"WriteOffStatusDate": "",
"DateOfAddition": 20230510,
"CurrencyCode": "INR",
"Subscriber_comments": "",
"Consumer_comments": "",
"AccountHoldertypeCode": 1,
"CAIS_Account_History": [
{
"Year": 2023,
"Month": 7,
"Days_Past_Due": 90,
"Asset_Classification": "S",
"assetClassificationDescription": "Asset Classification is Standard"
},
{
"Year": 2023,
"Month": 5,
"Days_Past_Due": 90,
"Asset_Classification": "S",
"assetClassificationDescription": "Asset Classification is Standard"
}
],
"CAIS_Holder_Details": [
{
"Surname_Non_Normalized": "PRIYAMA",
"First_Name_Non_Normalized": "DEV",
"Middle_Name_1_Non_Normalized": "",
"Middle_Name_2_Non_Normalized": "",
"Middle_Name_3_Non_Normalized": "",
"Alias": "",
"Gender_Code": 2,
"Income_TAX_PAN": "EDGPD4009B",
"Date_of_birth": 19921111,
"genderCodeDescription": "Female"
}
],
"CAIS_Holder_Address_Details": [
{
"First_Line_Of_Address_non_normalized": "CHINAR3 CHS",
"Second_Line_Of_Address_non_normalized": "SV RAOD 3",
"Third_Line_Of_Address_non_normalized": "",
"City_non_normalized": "",
"Fifth_Line_Of_Address_non_normalized": "",
"State_non_normalized": 27,
"ZIP_Postal_Code_non_normalized": 400003,
"CountryCode_non_normalized": "IB",
"Address_indicator_non_normalized": 4,
"Residence_code_non_normalized": ""
}
],
"CAIS_Holder_Phone_Details": [
{
"Telephone_Number": 9295390873,
"Telephone_Type": "",
"Telephone_Extension": "",
"Mobile_Telephone_Number": "",
"FaxNumber": "",
"EMailId": ""
}
],
"CAIS_Holder_ID_Details": [
{
"Income_TAX_PAN": "EDGPD4009B",
"EMailId": ""
}
],
"portfolioTypeDescription": "Mortgage Loan",
"accountTypeDescription": "HOUSING LOAN",
"accountStatusDescription": "Suit Filed(Wilful default)",
"suitfiledWillfuldefaultDescription": "Suit Filed",
"accountholdertypecodeDescription": "Individual"
}
]
},
"Match_result": {
"Exact_match": "Y"
},
"TotalCAPS_Summary": {
"TotalCAPSLast7Days": 100,
"TotalCAPSLast30Days": 100,
"TotalCAPSLast90Days": 100,
"TotalCAPSLast180Days": 102
},
"CAPS": {
"CAPS_Summary": {
"CAPSLast7Days": 0,
"CAPSLast30Days": 0,
"CAPSLast90Days": 0,
"CAPSLast180Days": 2
},
"CAPS_Application_Details": [
{
"Subscriber_code": "OTHXXXXXXXX",
"Subscriber_Name": "XXXXXXXXXX",
"Date_of_Request": 20240522,
"ReportTime": 185634,
"ReportNumber": 1716384394009,
"Enquiry_Reason": 13,
"Finance_Purpose": 99,
"Amount_Financed": 30000,
"Duration_Of_Agreement": 12,
"enquiryReasonDescription": "Personal Loan",
"financePurposeDescription": "Others"
},
{
"Subscriber_code": "OTHXXXXXXXX",
"Subscriber_Name": "XXXXXXXXXX",
"Date_of_Request": 20240522,
"ReportTime": 185606,
"ReportNumber": 1716384366068,
"Enquiry_Reason": 13,
"Finance_Purpose": 99,
"Amount_Financed": 30000,
"Duration_Of_Agreement": 12,
"enquiryReasonDescription": "Personal Loan",
"financePurposeDescription": "Others"
}
]
},
"NonCreditCAPS": {
"NonCreditCAPS_Summary": {
"NonCreditCAPSLast7Days": 100,
"NonCreditCAPSLast30Days": 100,
"NonCreditCAPSLast90Days": 100,
"NonCreditCAPSLast180Days": 100
},
"CAPS_Application_Details": [
{
"Subscriber_code": "OTHXXXXXXXX",
"Subscriber_Name": "XXXXXXXXXX",
"Date_of_Request": 20240910,
"ReportTime": 190937,
"ReportNumber": 1725975577981,
"Enquiry_Reason": 99,
"Finance_Purpose": 99,
"Amount_Financed": 0,
"Duration_Of_Agreement": 0,
"enquiryReasonDescription": "Others",
"financePurposeDescription": "Others"
}
]
},
"SCORE": {
"FCIREXScore": 771,
"FCIREXScoreConfidLevel": ""
}
},
"excelExperianReport": "https://preproduction-persist.signzy.tech/api/files/41846636/download/687be41041304bbdaaf0339c3f89c0d59ecfa2e8821c4b02b2685504dfaff863.xlsx",
"pdfExperianReport": "https://preproduction-persist.signzy.tech/api/files/41846639/download/ddc784dd94434ae891e5793543ac588fa7da50c624a040519111c5022454b749.pdf"
}
}Status Codes
CODE | MESSAGE |
|---|---|
200 | Request successful |
400 | Validation Error |
404 | Resource not found |
409 | Upstream is down |
500 | Server Side Error |
401 | Unauthorised Access |
499 | Gateway Timeout |
429 | Too Many Requests |